EMI vs SIP for ₹4,900,000
8 Years @ 12%
Original Plan
8 Years @ 12%
EMI: ₹ 79,639
Extended Plan
13 Years (Reduced EMI)
EMI: ₹ 62,165
Monthly Savings
₹ 17,474
SIP Investment
@ 12% for 13 years
₹ 6,569,125
Extra Interest Paid
₹ 2,052,348
Final Outcome
₹ 4,516,777
Profit from SIP strategy
Analysis
For ₹4,900,000 loan at 12%, investing savings can generate ₹6,569,125.
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